We combine our investor funds to create valuable commercial loans that are completely secured by first and second mortgages on all over Australia's real estate assets.

There are no administration fees, admission or departure fees, or administrative change costs. All management, administrative, trustee, marketing, and regulatory expenses are paid prior to the yield being struck. These costs might range from 2-4% every year of FUM, depending on market circumstances.  See the Information Memorandum for further information.

When a borrower fails to repay a loan, security can be auctioned to recover the principal plus any interest and charges. However, if the value of the security falls in conjunction with a borrower failure, losses might occur. Specifically, risks connected with an investment include borrower default, inflated valuations, litigation and paperwork concerns, insufficient insurance, and a decrease in the housing market. This is further discussed here and in the Information Memorandum. 

BCF uses different locations, a variety of loan amounts, and loan maturities ranging from 6 to 18 months. Loans are employed in both residential and business contexts, and they vary from full service to interest-only loans with LVRs usually of 60-70%. These loans are often used to bridge existing debts or to support development projects.

We ensure quarterly distributions are made within 7-10 working days after the end of the quarter.  As we are not an "at call" bank deposit facility (illiquid), we aim to provide funds redemption within 30-45 business days.

Whilst past performance doesn't reflect future returns, as Fund Managers, we aim to perform in a range consistent with a margin above the RBA cash rate providing performance that gives investors comfort their returns are doing better than the underlying cash rate and potentially beating inflation as well.  The prevailing lending interest rates will always have an impact on the Trust's returns.

It is intended the Trust's Unit Price will remain $1.00 at all times, with income (after management fees and expenses) being disbursed to investors.

The Trust's cash reserve has not been required at this time.  Capital Protection is reviewed on a monthly basis in line with evaluation of the Loan-to-Value-Ratio of all our commercial loan instruments in the market at the time.  The Trust's Constitution and Trustee ensures the Trust's Fund Manager never exceed these parameters to safeguard our investors funds and their returns.

Put us to the test, we have an excellent track record with our investors in responding quickly and efficiently to their questions and requests for further information.  Call us on